The threat of fraud and cyber scams is a 365-days-a-year problem when it comes to online shopping.
But just as the rate at which retailers hit you with promo emails scales up at this time of year, so too does the risk of falling foul of criminals trying to access your bank account.
According to the National Cyber Security Centre (NCSC), shoppers lost more than £10m to cyber criminals over last year’s festive shopping period.
With Black Friday sales under way and Christmas on the horizon, Sky News enlisted some cybersecurity experts to offer advice on how best to stay safe and avoid scams this year.
Spotting a dodgy email
A favourite tactic of fraudsters is to draw you in with an email that looks remarkably legitimate, seemingly offering an exclusive deal at one of your favoured retailers.
It is, as Mike McLellan of Secureworks puts it, a “classic scenario we’d expect to see around Black Friday”.
An important thing to look out for is the domain name of the sender’s email address – is it a close match, but with something slightly off? Think @amaz0n.co.uk, for example.
“On smartphones, that kind of detail is usually hidden,” advises Mr McLellan. “So tap on it and check where the email has come from.”
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You should also keep an eye out for misspellings and odd formatting.
However, the NCSC has warned that criminals are likely to use increasingly accessible AI tools to produce even more convincing scam emails, websites, and adverts than usual.
If you’re at all unsure, it’s good practice to go to the website directly, rather than click on any links in the email.
Fake websites
Some scams may direct you to a retailer’s login page to enter your account information.
It could look perfectly normal, and you go ahead and pop in your username and password, while in the background, criminals capture that information and use it themselves.
Chris Bluvshtein, of VPNOverview, says: “Every website should have a valid security certificate, and you can tell by the little padlock icon next to the URL.
“If a website doesn’t have one of these, then don’t give your bank details or valuable information.”
These can be some of the hardest scams to notice yourself, but banks have become very good at alerting you to “unusual logins” and flagging any subsequent dodgy transactions.
“If you suspect something bad has happened, consider changing your password,” Mr McLellan says. “And checking your bank activity.”
Text message scams
Another classic of the Black Friday scam genre is a text message suggesting you have a parcel waiting with DHL, Royal Mail, or some other delivery provider.
“Quite often you will be expecting something when you get these texts – but again keep an eye out for anything that doesn’t look normal,” says Mr McLellan.
A good indicator that something is amiss is if the text asks you for payment and includes a bit.ly link.
You should not click on these.
Image: An example of a text message scam. Pic: Royal Mail
The rise of ‘Qishing’
An emerging threat over the past year is an extension of phishing using QR codes.
Secureworks has dubbed it “Qishing”, when criminals use them to direct unsuspecting consumers to fraudulent websites that could steal their personal information.
Director of threat intelligence, Rafe Pilling, says: “We’re so used to seeing ‘scan this code’ to register, view a menu, order drinks or food to a table, or even enter competitions via the big screen at events stadiums, that consumers are thinking less about what they’re actually scanning.
“As the hype around holidays like Black Friday drives more urgency in consumer actions, we can expect to see more cyber criminals taking advantage with Qishing.”
Password managers and mobile payments
Modern smartphones and web browsers offer some useful baked-in features to help you stay safe.
Both have password managers and generators, which will come up with randomised options for you to lock your accounts and then store those behind a master password – or even biometrics like facial or fingerprint recognition.
Consider multifactor authentication as well, says Mr McLellan, for an extra layer of security.
Apple and Google Pay are good payment options if the retailer accepts them, as they protect your bank details.
“It’s best to use them instead of your debit card,” says Mr Bluvshtein.
Image: Set up facial recognition on your phone and use it to protect your passwords
Avoid shopping on public networks
Black Friday promotions will often try to entice you with limited time deals, alerting you to them via an app notification, text message or email.
If one arrives while you’re out and about, it could be tempting to jump straight to it.
But shopping on public wi-fi networks, like those you might find at railway stations and on trains, is a bad idea, according to Mr Bluvshtein.
“Public wi-fi rarely has safety protocols such as passwords in place, and hackers can piggyback and steal unsecured banking details and sensitive information without you knowing,” he says.
What to do if you suspect you’ve been scammed
Even with the best will in the world, there may come a moment where you suspect the worst.
But try not to fret – there are steps you can take to limit the damage, or prevent any from occurring at all.
“Keep an eye on bank accounts and if you see anything unusual, get in touch with them,” says Mr McLellan.
“Banks have got very robust fraud controls these days – and that’s why it’s best to use credit cards if possible.
“If you think any of your online accounts have been compromised, change the password, and try not to reuse them across different retailers.
“We do recognise that some of these have a technical bar to them, but if nothing else, at least keep an eye on what’s happening and be vigilant about your online activity.”
Sir Keir Starmer and Rachel Reeves have hinted at tax rises to come when the chancellor delivers the budget later this month.
In a Downing Street speech this morning, Ms Reeves will address “speculation” that an increase in income tax will be announced during the highly-anticipated statement on 26 November.
Sky News political editor Beth Rigbysaid it was “highly unusual” for the chancellor to make such a speech, but the Treasury believes she must “try to prepare the ground and make the argument for another big tax-raising budget”.
“I will make the choices necessary to deliver strong foundations for our economy – for this year, and years to come,” Ms Reeves will say.
Last night, Sir Keir gave Labour MPs a taste of what’s to come by warning of the need for “tough but fair” decisions.
Speaking at a party meeting in Westminster, he said the budget “takes place against a difficult economic backdrop”.
“It’s becoming clearer the long-term impact of Tory austerity, their botched Brexit deal and the pandemic on Britain’s productivity is worse than even we feared,” the prime minister said.
“Faced with that, we will make the tough but fair decisions to renew our country and build it for the long term.”
Starmer and Reeves know how hard this is going to be
I don’t need to tell you how difficult and contested this is going to be.
Only a year ago, the chancellor unveiled the biggest tax-raising budget since 1993 and said it was a “once in a parliament event”.
MPs will be fearing a massive backlash should manifesto promises on not raising income tax (and VAT and national insurance) for working people be broken.
Government figures know how hard it’s going to be but argue the chancellor has to level with the public about the hard choices ahead and what is driving her decision-making.
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Will Labour raise taxes?
The PM and chancellor’s warnings come after reports suggested the Office for Budget Responsibility is expected to downgrade its productivity growth forecast for the UK by about 0.3 percentage points.
That would leave Ms Reeves with a larger than expected fiscal black hole to fill, possibly up to £30bn.
The thinktank, which used to be headed by Torsten Bell, a Labour MP who is now a key aide to Ms Reeves and a pensions minister, said the move would raise vital cash while protecting working people.
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A promise-breaking budget?
Reeves to prioritise NHS and cost of living
Giving a further flavour of what to expect, Ms Reeves will this morning vow to make “important choices that will shape our economy for years to come”.
“It is important that people understand the circumstances we are facing, the principles guiding my choices – and why I believe they will be the right choices for the country,” she will add.
Ms Reeves will say her priorities are cutting national debt, easing the cost of living and protecting the NHS.
“It will be a budget led by this government’s values,” she’s set to say.
“Of fairness and opportunity and focused squarely on the priorities of the British people: protecting our NHS, reducing our national debt and improving the cost of living.”
A 32-year-old man has been charged with 10 counts of attempted murder after a mass stabbing on a high-speed train.
Anthony Williams, 32, from Peterborough, was arrested on Saturday evening following an attack on the Doncaster to London King’s Cross LNER service.
He has been charged with 10 counts of attempted murder, one count of actual bodily harm and one count of possession of a bladed article following a knife attack on a train in Cambridgeshire on Saturday, British Transport Police (BTP) said.
BTP said he has also been charged with another count of attempted murder and possession of a bladed article in connection with an incident on a London train in the early hours of 1 November.
Police said a victim suffered facial injuries after being attacked at 12.46am with a knife on a train at Pontoon Dock station on the Docklands Light Railway (DLR) in east London.
In a statement to Sky News, BTP said the suspect had left the location before police arrived and officers subsequently identified Williams as a suspect.
Williams will appear at Peterborough Magistrates on Monday morning, police said.
Armed police were deployed to Huntingdon, Cambridgeshire, where the train was stopped and made the arrest within eight minutes of the first 999 call.
Image: Forensic teams gathering evidence at Huntingdon train station on Sunday, after a mass train stabbing. Pic: PA
Footage of the arrest has emerged, showing a man on the ground surrounded by officers and a barking police dog, with the sound of a Taser being deployed.
Another man, 35, from London, who was also detained, was later released after officers established he was not involved.
On Monday, Transport Secretary Heidi Alexander told Sky News that one man, originally suffering life-threatening injuries, was now in a critical but stable condition in hospital.
She toldMornings with Ridge and Frost programme: “He went in to do his job, and he left work a hero. And there are people who are alive today because of his actions and his bravery.”
On Sunday, British Transport Police (BTP) confirmed he was a member of LNER rail staff who tried to stop the attacker.
“Having viewed the CCTV from the train, the actions of the member of rail staff were nothing short of heroic and undoubtedly saved people’s lives,” said BTP Deputy Chief Constable (DCC) Stuart Cundy.
The train driver, named as Andrew Johnson, has also been hailed as “courageous” for his actions during the stabbings.
Following the announcement about the charges on Monday, DCC Cundy warned against anyone interfering with their ongoing investigation.
“Our investigation is also looking at other possible linked offences. Following the charges authorised by the Crown Prosecution Service (CPS) I would stress the importance of not saying or publishing anything which might jeopardise or prejudice ongoing criminal proceedings, or the integrity of the investigation.”
Ms Alexander also told Sky News that BTP would be “increasing the visible patrols at stations” over the next few days.
“But generally, our trains are some of the most safest forms of public transport anywhere in the world,” she added.
Image: Armed police officers on patrol at St Pancras International station on Monday morning. Pic: PA
Tracy Easton, chief crown prosecutor for CPS Direct, said: “Our team of out-of-hours prosecutors worked to establish that there is sufficient evidence to bring the case to trial and it is in the public interest to pursue criminal proceedings.
“We worked closely with British Transport Police to review a huge volume of evidence including CCTV. The number of charges will be kept under review as this continues to progress.
“We know the devastating impact the events on Saturday’s train has had and how the incident shocked the entire country. Our thoughts remain with all those affected.”
A pregnant British teenager has been released from jail in Georgia after being held on drug smuggling charges.
Bella May Culley, 19, of Billingham, County Durham, was arrested in May at Tbilisi Airport and accused of attempting to smuggle 12kg of marijuana and 2kg of hashish into the country.
She was found guilty by a Georgian court on Monday and sentenced to five months and 25 days in prison, the total time she had already spent in custody. Her family also paid a 500,000 lari (about £138,000) as part of a plea deal aimed at reducing her sentence.
Culley and her mother, Lyanne Kennedy, both cried as the verdict was read.
Wearing a cream blazer, the teenager looked overwhelmed as she was released from custody on Monday.
Asked how she felt, she said she was “happy” and told reporters she did not expect to be freed.
Image: Bella Culley at an earlier court hearing in May. Pic: RUSTAVI 2/AP
Culley’s mother held her daughter’s hand as she was released.
Georgian prosecutors were considering a two-year sentence, but “decided to consider the time she has already served,” case prosecutor Vakhtang Tsalughelashvili told The Associated Press.
Culley’s lawyer, Malkhaz Salakhaia, said she would be given her passport and would be free to leave the country on Monday.
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Police footage released in May showed Culley in handcuffs as she made an initial court appearance. Pic: AP
The teenager pleaded not guilty to the charges after her arrest, saying she was tortured in Thailand and forced to carry the drugs.
Culley initially pleaded not guilty at a hearing in July to possession and trafficking illegal drugs.
She initially faced a maximum penalty of up to 15 years or life imprisonment, but was in talks with prosecutors about a potential plea bargain.
Image: Bella Culley walks with her mother, Lyanne Kennedy, following her release. Pic: Reuters
In Georgia, a nation of 3.7 million in the South Caucasus, the law allows for financial plea agreements that can be reached to reduce or eliminate a prison sentence in certain cases.
Such plea agreements are often obtained in drug-related cases.
Culley was reported missing in Thailand before her arrest at Tbilisi Airport on May 10.